Friday, May 31, 2013

Take a Home Inventory with Know Your Stuff

The Insurance Information Institute has online software and a smartphone app called Know Your Stuff that homeowners can use to make a complete home inventory of their belongings. Taking pictures and creating an inventory makes the claims process much easier for everyone. Sign up for the tool here:

Tuesday, May 28, 2013

Jeanne Salvatore, Recovery After Disaster, CNN

Jeanne Salvatore of the Insurance Information Institute on CNN Your Money talking about what homeowners should do after a disaster. Knowing what a policy covers and having the right amount and type of insurance is key to recovering from a disaster.

Saturday, May 25, 2013

Test Your Insurance IQ: Trees and Insurance

If a tree falls and damages your home, are you covered? Find out what our quiz takers thought, and get the right answer.

Wednesday, May 22, 2013

Preventing Trees From Falling

Cracks in the trunk, trees that learn dangerously off balance, and low hanging limbs are all signs of potential trouble. Wendy Rose, Institute for Business and Home Safety says homeowners often consult professionals to diagnose and repair trees, adding however, that homeowners themselves are the first line of defense. Tips: check for tree damage, Prune dead limbs or branches that hang low over your house. Jeanne Salvatore, Senior Vice President, Insurance Information Institute says that it is the homeowners responsibility to check their trees, but if one does fall on your house, your homeowners' insurance will pay $500 to remove the tree, and will repair the damage to your home.

Sunday, May 19, 2013

Swimming Pool Safety

Jonathon Rigsby can't function like a normal 20 year old. When he was just a toddler, he and his sister fell into their backyard swimming pool while they were in the care of a baby sitter. His sister drowned, Jonathon barely survived.
.Jonathon's mother, Nadina Rigsby says that the sitter was distracted and when she went looking for the children, they were face down in the swimming pool. The Consumer Product Safety Commissions says the most important thing a pool owner can do us create barriers around the pool. They include 4 foot fences and well maintained latches that will close automatically to keep children out. Door alarms are another safety device. Madeline Flannagon of the Independent Insurance Agents of America says many pool owners don't think this isn't a problem because they don't have children. But it is. If a child wanders into your pool, it's your liability, and it could affect you for the rest of your life.

For more information about insurance, go to the I.I.I. Web site at

Thursday, May 16, 2013

Child Proofing Your Home

More than five millions infants and children each year are injured and more than 3,000 die from injuries and accidents that occur not outside the home, but inside. Heather Paul of the National Safe Kids Campaign says the home is really a hazardous place. One third of all deaths of children under the age of 14 occur at home. Appliance cords and table cloths pose hazards, so do telephone cords and window blinds. Toilets, bathtubs and cleaning buckets have been the cause of hundreds of drownings. Psychologist Bonnie Greenberg, says small children go through an oral phase in which they put things in their mouths as one way to learn about their world. According to the Insurance Information Institute, parents need to protect young children by putting dangerous objects out of reach and keeping emergency phone numbers handy.

For more information about insurance, go to the I.I.I. Web site at

Monday, May 13, 2013

Hidden Hazards in Your Home

The Coalition for Consumer Health and Safety says many household injuries can be prevented. Steve Brobeck of the Consumer Federation of America says by taking some simple steps, you can protect yourself and your family from serious injuries. Falls are one of the most frequent causes of serious injury. Use double sided tape to secure loose rugs and place rubber mats in bath tubs and showers. Use step stools with hand rails, and be sure your child's crib is safe. Discard old cribs which might not meet current safety standards. The Insurance Information Institute says a few simple steps can prevent thousands of serious injuries from occurring.

Friday, May 10, 2013

Tuesday, May 7, 2013

Saturday, May 4, 2013

Avoiding Insurance Mistakes: Five Tips

Five big mistakes to avoid when making decisions about your insurance. I.I.I. offers tips on how to save money and still properly protect yourself.

Wednesday, May 1, 2013

Trampoline Safety

Backyard trampolines are fun but dangerous. The National Safe Kids Campaign says that children under 7 should not be allow on trampolines at all, and those 7 and older should be closely supervised. Tips: Adult supervision at all times, no summersaults, only one child on the tramp at a time, and shock absorbing pads that cover springs, hooks and frames. Dr. Tillman Jolly, Emergency Room Physician, says most injuries occur when one child collides with another, and says serious injuries can also occur when a child comes in contact with springs and hooks. Insurance Claims Adjustor Dan Dohman says liability is another serious issue. If your neighbor's child climbs over your fence and is then injured on your trampoline, even though the child was trespassing, you can be held liable for the child's injuries. This video is from the Insurance Information Institute.